Kentucky homeowners insurance

Kentucky is full of natural marvels, from the bluegrass of its namesake, to the Mammoth Cave National Park. Preserving Mammoth Cave can be as easy as following the park’s regulations. Protecting your home is just as simple with a policy from Progressive. See why our coverages and discounts are popular with homeowners in the Bluegrass State.

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Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

How you're covered

Kentucky doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage protects detached structures, such as a fence or shed.
Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others pays for medical expenses due to a covered occurrence.
Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Kentucky

News outlets recently dubbed Kentucky the new "Tornado Alley," citing the increased number of twisters the state has seen in recent years. Your homeowners insurance policy may help cover the cost of repairs to your home and property from damaging winds, up to your policy's limits, minus your deductible. Learn more about how home insurance may cover storm damage.

Heavy rains can put your home at risk for flooding. While home insurance won’t cover flooding from the outside, a separate flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

Alarm system
Multi-policy
Quote in advance
New purchase

See more of our available home insurance discounts.

Pro tip:

If you need more than $500,000 in liability coverage, a separate umbrella policy from Progressive can provide up to $5 million in additional liability protection.

How much is homeowners insurance in Kentucky?

Your cost for Kentucky homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you own in Kentucky?

If you own a rental property in Kentucky, get the right type of insurance policy to protect it. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fast facts about homes in Kentucky

Kentucky is the birthplace of President Abraham Lincoln. Visitors can pay a visit to the Lincoln Birthplace National Historic Park to see a representation of the one-room log cabin where the president was born.
The oldest wood frame home in Louisville, Kentucky is the Squire Earick House and was built in 1819.
The famous song "My Old Kentucky Home, Good-Night!" was inspired by Federal Hill, a home in Bardstown, Kentucky.